1996 Saturn S-Series Insurance Cost – 7 Tips for Cheapest Prices

Looking for lower auto insurance rates for your Saturn S-Series? Feel like you have high-priced auto insurance? You’re in good company because there are many consumers feeling the pinch from expensive auto insurance. Online insurance companies like Progressive, Geico and Farmers Insurance promote their brand names with fancy advertisements and it is challenging if not impossible to see through the cute green geckos and mayhem and take the time to shop coverage around.

How to lower your car insurance cost

All major car insurance companies allow you to get prices for coverage on the web. Comparing prices online is possible for anyone as you just enter the amount of coverage you want on the page. When the form is submitted, the company’s rating system gets your driving and credit reports and returns a price quote determined by many factors. Online price estimates simplifies rate comparisons, but the work required to visit multiple sites and complete many quote forms is a big time waster. But it’s very important to do this if you want to find the best price on car insurance.

The preferred way to find cheaper rates requires only one form that gets prices from a bunch of companies at once. It’s a real time-saver, eliminates form submissions, and makes quoting online much more efficient. Immediately after you send the form, it gets priced with multiple companies and you can pick your choice of the quotes that you receive. If you find a better price you simply finish the application and buy the new coverage. The whole process just takes a couple of minutes and may save quite a bit of money.

In order to find out how much you can save on car insurance, click here to open in new window and submit the form. If you have your current policy handy, we recommend that you enter the coverage information exactly as shown on your declarations page. This guarantees you will be getting an apples-to-apples comparison based on the exact same insurance coverage.

You may qualify for discounts

Auto insurance can be pricey, but discounts can save money and there are some available that you may not even be aware of. Some trigger automatically when you get a quote, but lesser-known reductions have to be asked about before you get the savings.

Homeowners Savings – Just being a homeowner may earn you a small savings because owning a home is proof of financial responsibility.
Active Service Discounts – Being on active deployment in the military could mean lower rates.
Auto/Home Discount – When you have multiple policies and insure them both with the same insurance company you will save 10% to 20% off each policy.
Discount for Good Grades – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
Defensive Driver Discounts – Participating in a safe driver class could cut 5% off your bill depending on where you live.
Seat Belt Usage – Drivers who require all vehicle occupants to buckle up could save 15% off the medical payments premium.
Senior Discount – Drivers over the age of 55 are able to get a small discount on rates for S-Series coverage.

While discounts sound great, it’s important to understand that most credits do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, you aren’t that lucky.

For a list of auto insurance companies with discount rates, follow this link.

There’s no such thing as the perfect car insurance policy

When choosing proper insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions can help discover if your situation will benefit from professional help.

When do I need to add a new car to my policy?
Does medical payments coverage apply to all occupants?
Can I get a multi-policy discount for packaging my home and auto coverage?
Do I need PIP coverage since I have good health insurance?
Will my insurance pay for OEM parts?
How do I insure my teen driver?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Do auto insurance companies bend the truth?

Drivers get pounded daily by advertisements for the lowest price auto insurance by State Farm, Geico and Progressive. All the companies have a common claim that you’ll save big just by switching to their company.

How do they all say the same thing? Here is how they do it.

Insurance providers offer their best rates for the type of customer that earns them a profit. An example of a preferred risk may be over the age of 45, has never had a policy lapse, and drives less than 10,000 miles a year. Any new insured that hits that “sweet spot” is entitled to the best price and have a good chance to pay quite a bit less when switching companies.

Insureds who cannot meet the ideal profile may be forced to pay higher rates with the end result being the customer not purchasing. The wording the ads use say “customers that switch” but not “everyone who gets a quote” save that much when switching. This is how insurance companies can confidently make it sound like they have such great rates. Because each company has a different risk profile, you need to do a quote comparison often. It is impossible to predict the company that will have better prices than you’re paying now.

Learn about auto insurance coverages for a 1996 Saturn S-Series

Understanding the coverages of auto insurance helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are typical coverages available from auto insurance companies.

Collision coverage

Collision coverage pays for damage to your S-Series caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like scraping a guard rail, hitting a parking meter, crashing into a building and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your 1996 Saturn S-Series.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive protection

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a deer, rock chips in glass, vandalism and theft. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical expense coverage

Med pay and PIP coverage kick in for immediate expenses for things like rehabilitation expenses, nursing services, dental work, prosthetic devices and doctor visits. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover you and your occupants in addition to any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Auto liability

Liability insurance can cover damage or injury you incur to a person or their property that is your fault. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers claims such as repair bills for other people’s vehicles, medical services, repair costs for stationary objects, bail bonds and loss of income. How much coverage you buy is up to you, but buy as large an amount as possible.

Get your money’s worth

In this article, we covered many ideas to lower your 1996 Saturn S-Series insurance premium rates. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may even discover the lowest priced car insurance comes from some of the smallest insurance companies. Smaller companies may only write in your state and offer lower prices than the large multi-state companies such as Allstate and Progressive.

Cheaper 1996 Saturn S-Series insurance can be sourced online and from local agencies, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies do not offer online quoting and many times these regional carriers sell through local independent agents.